# DEER VALLEY
Phoenix, AZ · NCUA charter 68498 · asset band $200-500M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/deer-valley-68498

Who the members are: state charter, organized 1971. 18,944 members of 1,912,675 potential (1.0% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $254.1M |
| Members | 18,944 (0.4% YoY) |
| Full-time staff | 70 |
| Net worth | $23.0M |
| Net worth ratio | 9.0% (p14 of band) |
| ROA (annualized) | 0.68% (p41 of band) |
| Total delinquency | 0.73% (p66 of band) |
| Net charge-offs (annualized) | 0.61% (p75 of band) |
| Loans / shares | 81% (p44 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.35% (p57 of band) |
| Operating expense / assets | 3.83% (p59 of band) |
| Vehicles % of loans | 52% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 319% (p88 of band) |
| Vehicle delinquency | 1.17% (p89 of band) |
| Vehicle NCO | 1.28% (p89 of band) |
| Repossessed % of vehicle book | 0.19% (p91 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 12% |
| Average share balance | $6,243 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $22,665 |
| Loans granted, annualized | $65.5M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 3 | auto monoline |  |
| 2018-03 | 2 |  | auto monoline |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | net worth falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 1 |  | thin capital, delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-07-01 [Copper State Credit Union emerges after two Valley credit unions combine - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNYUJQZnBNNE9SNkYxdE9rTTZhYi1xQnFIS3JjYUZJN0tta1A1ejBqaVQxZWFYWkh2NC1sdDFzQlk5dFBmdFZibW5va3QweHJXTEt3aHlQNWNpWmpvSFVLcTRmZkY1RFViWWhocHdva3pWNXZGczdBZlkwbE5MX2NpWGthRlhObmprUmp6SE9TWlRvdndvRWxEQ2RwSGJUWFp5WFJLek04MA?oc=5) · The Business Journals
- 2019-10-08 [Canyon State Credit Union and Deer Valley Credit Union announce their mutually beneficial co-op merger - CUInsight](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPTDNOdllIT05DcWROVEZCNGMxcjViazFsU05lQkdvN0ZkcGNBN1B5LVFYQTVjcExCaUtxeDBGMTZvQzdzX2FtWkFmdFBEVXlyTTJUYkdSaGJaanFsb0lINHlDUFRxVElIWXNxeldYM2hjM0VZRHd2ZzVfQlVOcU93MlNWLUlFaldSM21OdnJnRzFoNTA0b0RlTURxYUNDM1Y4bTc0eklVSWthRWN4eTVoc055dkFUbk1YNGt2WWxSSERmZkduSk50S1NyZDlmN0wtTDVXOUIwa1gxSlU?oc=5) · CUInsight
- 2020-08-26 [Phoenix-area credit union rebrands after merger - americanbanker.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcm1pTEl0c3VzQXhXYXhHM1dIQ3NRa3NxaWV5dmZtb2hKT1RsbUtFTDlsOWo3dWo0aXhKMGxuZlprekg1TmQ4c3Vha0ZsLURHbjdPcVZ0TEhGOThpS3lvX0s3ZDJCUXlxRlY1S25oMzhQeVdoaGJxR1FpYmI1dHl2a2NMV3dOU1ZLVUwtX25SNDNURnR5dDBUMmdGUlE?oc=5) · americanbanker.com
- 2026-05-22 [Phoenix teacher retires after 46 years at same school - AZ Family](https://news.google.com/rss/articles/CBMikAFBVV95cUxPTU5BQV9TMUhGd1VZRzNiZWg3RmZBZG5ZS3U5azNScjFZTEJzWEZhSnA2NDZ6SHB1MjZ5R2w4TFN3bFYxdXotZF9IakVLVHUzaWY2Umt3VTkzYTUzOHZLNzdYaWtZSURPUkNRV25wTG5pUUZHdVd0QXpuMWRCTDZjT2NseEtfWmFaS0NQeEVPUjjSAaQBQVVfeXFMUERYSmVSTVptV0NCdmpmdWRKU2hBRHB3dEwtdE5FYjdkd0F4WXd4b2hrMFNrS3JFblR4RW1GV01SVllVUDY1SGl3bzFQcnNIWEJJMEpPdGxEdHNmLVpFa0JWQUdPNk9heGxqbFdDbHRsR1ZBUGlWVnN5VTJQSW9jTjRYY3VYZUJMemJwaUhwZG5ud1dlSEJMcUthOGwtcnp6OU1HOU0?oc=5) · AZ Family
- 2020-06-03 [CBRE Arranges Sale of 61,304 SF Single-Tenant Office Building in Phoenix’s Deer Valley Submarket - Real Estate Daily News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxONmNZRTJmYXJtc2Y5OVBFMGFZbmd1ZUE3c0gxWVJ5NFVmeTV5Qnc5aERPa3FWOEVEVHVzQ2hkSld3YmVYTTBBaWI1V0lkRGNscHdtcFRwY0RxbUVaR1VKWm9HcHNPeTRIYUxtR2pNeGRjQWZyRmRXdTdQUkF2aVhnM1Juck0ydWJPSHZROWhGcHNSTFlqUmhWdXlZdzdnV3NJTk0zUGJSbE9nZTgyaUJlU2htTjRJcWNtLWNpM283UmFqOUtfOEdUVFpwVmt2RF9GYko5T1o1cw?oc=5) · Real Estate Daily News
- 2020-09-11 [FBI, Phoenix Police Arrest Serial Bank Robber - Arizona Daily Independent](https://news.google.com/rss/articles/CBMilwFBVV95cUxQWm1OcXpxVEpPdnR3WHhfdUsxXzVxY2U2b004SHVXNVlEcFlUZmNjN19uX0FvNThvSm92SjFvVjMxUnRqbW9udlcxSFVDZlFSYzFwYjNLWWFSZnNpZi15bDhPalcyVE5NUU5aSWF4akJlcVp2d01sb2lPMmlaYW1NSWdiRDVPNk5Ib3Q1VG14emt2SXVRaWhN?oc=5) · Arizona Daily Independent
- 2025-05-27 [Rodney Charles Eickelberg Obituary - The Arizona Republic - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMiXEFVX3lxTFB4a3U4UDllcTFNYnZmRG1yMVF4RTd2UXZhRUxnN051UzFMM3ZuLXpVTVl0YWhCV1FTYnU0TEI5NC1IZGh0NFF0VWVGMU5YYXhlUENWNUd5dXRtN3Zs?oc=5) · azcentral.com and The Arizona Republic
- 2018-03-04 [Matthew Thiss Obituary - Phoenix, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJacW5BdUpiLUhvWkNRYTBBY3E2WHJ0TUozajVEYVNiWWI4NV91OW5wSnNsRmVibFBoTElvMzVmTWJ3NUJMNVJlWFdnNmg2R2t1TDZXaU5ORl9WTWllTUVpSV9JMHRhSUgxUkozOTRKT3FVWlBBVjMtSzVJbXBtTA?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68498 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/18.json (key "68498", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68498
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide